Macon Bank and Trust Company

BankLafayette, Tennessee
maconbankandtrust.com

Total Assets

$772.2M

Total Deposits

$706.3M

Branches

7

Established

1919

TFS Health Grade

$
D+

68.6 / 100

Below average financial health

How we grade

Macon Bank and Trust Company is a bank headquartered in Lafayette, Tennessee, established in 1919. With $772.2M in total assets and 7 branch locations, it has a TFS Financial Health Grade of D+ (68.6/100).

Capital & Safety

Tier 1 Capital Ratio
10.20%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.08%

Profitability

Return on Assets (ROA)
1.14%(1%)
Return on Equity (ROE)
16.29%(10%)
Net Interest Margin
3.40%
Efficiency Ratio
54.96%(60%)

Lending & Liquidity

Total Loans
$480.3M
Loan-to-Deposit Ratio
67.39%
Net Charge-Off Ratio
0.02%

Growth

Asset Growth (YoY)
+8.73%
Deposit Growth (YoY)
+9.01%
Net Income
$8.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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